$0 extra paid in January

However – I am due to go back to work next week so the money should be rolling in in no time. I just need to rebuild my YNAB buffer or my emergency fund and then we’ll be back to the races as they say. I say “or my emergency fund” because I may just use my emergency fund to build back my buffer. I like the YNAB buffer. ALOT.

It’s allowed me to go through this period of not working and the household not receiving any income with ZERO stress whatsoever. Cannot recommend the program enough. Check it out.

But yes I need to do some saving before I can start paying off the mortgage full stop. It shouldn’t take too long.